s and u.s. attorneys out there every day squeezing ordinary citizens on sometimes very thin grounds taking them to trial in order to make an example, as they put it. it goes on to make the case for why we haven't done the same -- >> it's a great question for regulators to ask. i would hope that we would also look at the accountsability of these institutions and the new standards that are being held to whether or not the new rules or regulations that have been written or working. put it in context, the big banks that received tarp loans have all paid them back. the government made a profit on it. admittedly, an unusual way to make a profit for the federal government and taxpayers, but a profit was made. indeed, they invested in aig. just put it all in context. going forward i think what andrew said is spot on. you have to put a regime and protocol in place that insures that risk is managed better and that rules are followed more closely and that punishment is meated out in a quicker way. one of t